Scottish Daily Mail

NOW DISCOVER IF EQUITY RELEASE IS RIGHT FOR YOU

Independen­t Equity Release experts can explain it all, and answer any questions you have

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Athe value of your estate. The plans can also affect your entitlemen­t to means-tested state benefits.

Key has helped over a million people decide whether equity release is right for them.

Your qualified Equity Release adviser will look at every equity release company in the market to find the most suitable plan for you. Plans do vary, so this independen­t, whole-of-market approach is important.

With Key you get support throughout and after the applicatio­n, with a dedicated case handler ready to take your calls and help with any paperwork or admin. Thousands of people are already living better after 55 because they went ahead and found out more about equity release. This could be the perfect time to join them.

Unless you decide to go ahead, Key’s service is completely free of charge, as the usual advice fee of 1.99% of the amount released would only be payable on completion of the plan, subject to a minimum advice fee of £1,499. A lifetime mortgage is a loan secured against your home. no-obligation chat with a fully qualified Equity Release adviser from Key can be the perfect way to find out if equity release can work for you. That’s because you can have a face-to-face discussion in your own home. Your adviser will consider your personal circumstan­ces, including your savings, pensions, benefits and other money-raising options such as convention­al mortgages or getting help from other family members.

Having looked at all the facts, if your adviser thinks equity release isn’t right for you then they will tell you. If they think it will work better if you wait a few years they will tell you that, as well. It’s never hard-sell with Key, which is one reason why the company is rated as ‘excellent’ in some 14,000 Trustpilot reviews.

If you do decide to go ahead, your personal adviser will encourage you to discuss your plans with any grown-up children/beneficiar­ies so your whole family is part of the decision. Key encourage grown-up children to come to the advice meeting, too.

Your adviser will explain that taking out an equity release plan will reduce

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